| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 | 6950 S TRANSIT ROAD LOCKPORT, NY 14094 | AETNA | $33K | — | $33K | 3.41% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 777 CANALVIEW BLVD. PO BOX 1010 ROCHESTER, NY 14623 | EXCELLUS BLUECROSS BLUESHIELD | $10K | — | $10K | 3.06% |
| FIRST NIAGARA RISK MANAGEMENT3 | 777 CANALVIEW BLVD. PO BOX 1010 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 9.64% |
| FIRST NIAGARA RISK MANAGEMENT3 | 6950 S TRANSIT ROAD LOCKPORT, NY 14095 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $494 | $3K | 18.69% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE AND BENEFIT SERVICES | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | HM LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 10.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFIT SVCS INC | 6950 S TRANSIT ROAD LOCKPORT, NY 14095 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 15.00% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $658 | — | $658 | 23.97% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | SUITE 900 LARKIN BLDG. 726 EXCHANGE STREET BUFFALO, NY 14210 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $372 | — | $372 | 13.55% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA | 245 | $1.3M |
| Dental(2 contracts, 2 carriers) | AETNA | 245 | $996K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 127 | $11K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 66 | $13K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 83 | $13K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 136 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.